LTV · monthly repayment
▼ 0.50% · 3.625%
HK$23,632
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,367
−HK$747/mo
Today · 4.125%
HK$25,114
baseline
▲ 0.50% · 4.625%
HK$26,642
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,228/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,290
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,995
−HK$715/mo
Today · 4.125%
HK$27,710
baseline
▲ 0.50% · 4.625%
HK$29,171
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,420/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,358
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,240
−HK$896/mo
Today · 4.125%
HK$30,136
baseline
▲ 0.50% · 4.625%
HK$31,970
+HK$1,834/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,272/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,548
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,394
−HK$858/mo
Today · 4.125%
HK$33,252
baseline
▲ 0.50% · 4.625%
HK$35,005
+HK$1,753/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,504/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,084
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,113
−HK$1,046/mo
Today · 4.125%
HK$35,159
baseline
▲ 0.50% · 4.625%
HK$37,298
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,318/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,806
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,793
−HK$1,002/mo
Today · 4.125%
HK$38,795
baseline
▲ 0.50% · 4.625%
HK$40,839
+HK$2,044/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,590/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,537
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$43,860
−HK$1,344/mo
Today · 4.125%
HK$45,204
baseline
▲ 0.50% · 4.625%
HK$47,955
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,408/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,322
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,591
−HK$1,288/mo
Today · 4.125%
HK$49,879
baseline
▲ 0.50% · 4.625%
HK$52,508
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,758/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,636 · Scale 2, in force from 26 Feb 2026)